There are many options when finding cheaper insurance coverage on your vehicle. You can buy direct from your neighborhood insurance agent or price shop online to compare rates from many different auto insurance companies. Shopping for auto insurance through online rate quotes is simple to do and there is a good chance you will probably save money.

Comparing auto insurance rates direct online can be a challenge if you have never used online rate quotes. But don't be discouraged because there is an easy way to compare rates. Finding cheaper coverage prices can be surprisingly simple. All you need to do is take the time comparing rates online with multiple companies. This is very easy and can be done by comparing rates here.

Insurance rates on a 2006 will vary greatly subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Your age
• Whether you are married
• Extra coverages like towing and rental
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Newer models have a higher replacement value so the payout to repair will push premiums up. But newer models may have options including lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system so those may lower rates.

Auto liability

2006 liability coverage protects you from damage that occurs to people or other property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision protection

Collision coverage pays for damage to your resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2006 can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.